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欧洲存款保险的弊端

慕尼黑—目前正在讨论为欧元区银行建立一个联合存款保险系统。以欧盟委员会和欧洲央行为首的支持阵营指出,存款保险能预防危机时期的银行挤兑。这一观点固然正确,但批评者也强调了风险不对等,因为银行资产负债表上的不良贷款大量集中在几个国家。

要解决这一风险不对等、推进计划,就必须在考虑下一步行动之前先清理资产负债表。最新发布的国际货币基金组织(IMF)数据表明,去年4月以来欧元区稳定国家银行不良贷款率只有2%,而爱尔兰有11%,意大利有16%,塞浦路斯有40%,希腊有46%。

但这一失衡甚至不是主要问题。最重要的是,存款保险将导致银行部分责任地承担风险。它将让欧元区僵尸银行随心所欲地获得存款,用于给全世界垃圾项目发放贷款。

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